Top tip:
If you make them a repayment offer they find it very difficult to get a CCJ against you. Work out what you can afford to pay, half it, and offer them that.
( CowJam, Sat 13 Jun 2009, 11:29, archived)

tenner a week from my jsa.

( Godzuki needs more sleep., Sat 13 Jun 2009, 11:32, archived)